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Upgrade Card See Rates & Fees
Partner Offer

Upgrade Card

Fair to Good Credit Recommended (580-740) ? credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Upgrade's Secure Site
Balance Transfers Intro APR
Purchases Intro APR
Regular APR
6.99% - 29.99% (Variable)
Annual Fee


  • Choose the Upgrade card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$20,000.
  • No Fees – No annual fees and no fees to use your card.
  • Quick and easy application – find out if you qualify in minutes.
  • Checking your line won’t hurt your credit score.
  • Free access to credit monitoring, alerts and features to help you understand your credit.
  • Use wherever Visa is accepted. (cannot be used at an ATM)


  • Low Interest
    Low Interest
  • No Annual Fee
    No Annual Fee
  • Visa Signature®
    Visa Signature®

Staff Review


Editor's Rating:

4.2-star review

4.2 out of 5

Our take: Since it automatically puts your balance into an installment plan at the end of the month, the Upgrade Card helps you keep your interest payments – and your overall credit card balance – in check.

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.